Philosophy and Mission

Hometown Banking At Its Best

There are several factors that distinguish us as a real community bank. First, we are locally run. Decisions are made by people who know you and care about your needs. As a result, you gain from our responsive service and true understanding of what this community needs. Through this understanding we can tailor products to meet the needs of local consumers.

Second, there is on-site control over all services, products, loan approvals, and interest rates. Because we're locally managed, we can set our rates right here. We don't have to get them approved by a corporate office somewhere else. And we don't have the overhead that big banks do, so we can pass the savings on to you.

Third, deposits of the bank are invested back into the community in the form of business and residential loans. So in a way, you can help enhance your hometown, just by being a part of community banking.

Finally, we are dedicated to the financial support of the local community in order to make it a better place to live.

What Is A Community Bank?

Community banking begins with the customer, his or her wants and needs. It sounds simple, but most banks just don't get it.

People want a bank where they're known by name and made to feel welcome as soon as they come in the door. When one of our staff says, "May I help you?" they really want to help you. No one ever has to pay a fee for using a teller.

People want the kind of bank that will service them for life. Where parents can take their kids to learn about banking and saving, and maybe meet the bank's president. Where older kids can get help all the way through college. Where all of a family's financial events from the household checking account to trust and estate planning will be as important to the bank as they are to the family. It is where our senior generations can find security and comfort in specially tailored senior products and services that meet their unique needs.

People want to keep it local. A bank’s management should live a local phone call away, and be involved with community events. The bank should become an important part of the community, help it solve its problems and plan for its future. A bank should be a good neighbor, friendly, helpful and generous.

Innovative Products and a Friendly Smile Set Us Apart From the Competition

We are the bank you are looking for. We are big enough to handle $50 million loans to businesses in the area, yet small enough to hand out cookies and coffee when you come in the bank, lollipops to kids, and even dog biscuits to “man’s best friend”. We’re large enough to handle the most complex Trust and Wealth Management issues or able to provide you a simple FREE checking account, and when you call, we’ll answer the phone and know you by name. Whether your business needs to refinance its office building or your daughter needs a mortgage for her first home, we’ll get it done for you. We have the resources of the big banks (at least the same, if not better solutions) paired with the best customer service. We're never too busy to sit down with you and talk over a cup of coffee. So stop by and find out how great hometown banking can really be. You'll be glad you did.